Authorised & regulated by the Financial Conduct Authority.

Fixed Rate Bonds and ISAs
feefo rating

About lc&f

London Capital & Finance Plc (LC&F) is a commercial lender that supports UK companies with funding to grow their businesses.

Since 2012, our successful business model has enabled us to raise money from investors through secured bonds and innovative finance ISAs, and use the proceeds to lend funds on a secured basis.

Unlike some peer-to-peer lending or crowd-funding, qualified and experienced people - rather than computers - are involved in every stage of the loan and investment lifecycle.

This proven business model provides investors with an attractive return on their investment as well as enabling LC&F to meet the funding demands of the UK business community.



& over




loaned out to businesses with over


assets held as security 1

Funding Lifecycle


The funding lifecycle starts with funds being invested into bonds issued by LC&F and finishes when all interest and principal is returned to bondholders. During the funding lifecycle, we will use the funds raised to make loans to UK businesses that we consider creditworthy and meet our strict lending criteria.

Due diligence

We only lend money to companies that have undergone a strict due diligence process and met our strict lending criteria, have realistic and robust repayment proposals and can provide adequate security for the loan.

How your funds are protected

Bondholder funds are secured by a charge over the assets of LC&F as well as the assets of all the companies to whom LC&F lends. Global Security Trustees, an independent security trustee has been appointed to hold these securities on trust for all bondholders.


London Capital & Finance Plc(“LC&F”) offer bonds with fixed interest rates and are asset-backed for security. A detailed presentation of each bond offered can be found in the respective Information Memorandum, which has been approved for promotion for the purposes of section 21 of the Financial Services and Markets Act 2000 (“FSMA”) by London Capital & Finance Plc (“LC&F") of The Old Coach House, Eridge Park, Eridge Green, Tunbridge Wells, Kent. TN3 9JS. LC&F is authorised and regulated by the Financial Conduct Authority with FRN 722603. This website is not intended to be a source of advice or credit analysis and the information contained herein does not constitute investment advice. Therefore, any decision in connection with funds, instruments or transactions described or mentioned within this website must be made solely on the information contained in the relevant Information Memorandum and no reliance should be placed on any other representations. Investors should note that repayment of the bonds offered by London Capital & Finance Plc, and the payment of interest on the bonds, depends on the performance of loans made by London Capital & Finance Plc to various UK businesses. In the event that these borrowers default on the loans, investors may lose some or all of their investment. Investment in the bonds of London Capital & Finance Plc is therefore speculative and involves a degree of risk.

Our investments have fixed annual interest rates of 6.5%, 8% and 8.95%, over 2, 3 and 5 years respectively. Calculate your returns

We use the funds from these products to help businesses plug the significant short-fall in the availability of corporate funding, by making loans to carefully selected UK companies. Find out more

Qualifying companies must demonstrate their ability to meet their loan commitments and provide assets as security which are worth more than the amount of the loan. Currently we hold £685.3 million assets protecting £215 million in loans1. Find out more

As at 31 August 2018, we have a 100% record in repaying our investors their interest and capital in full, and none of our borrowers have defaulted on their loans5.